Not quite what you asked, but MiL lives in a north facing 120 year old brick-built farm house which we will inherit at some point. It has an oil-fired boiler which feeds radiators upstairs and on half the ground floor. An open fire in the centrally-heated reception room, and a wood burner in the otherwise-unheated one completes the picture. The kitchen and its stone floor it totally unheated. There is nothing which you could realistically describe as insulation, although at least the windows are now all double-glazed (in timber frames...). We were there over Christmas when the boiler packed in and it was not pleasant even with both fires and every single electric heater still on the shelves in B&Q. It's not just the heating that's bonkers: the one kitchen light switch operates no fewer than 22 bulbs at a time, and with 16 lightbulbs in one reception room it's still too dark to read comfortably.
All things being equal, we'd love to live there after MIL shuffles off but I cannot see how the house could become sensibly insulated and heated without spending huge sums of money. It's got solar panels, but that doesn't increase its energy efficiency. A ground source heat pump would provide enough heat but it would have to run almost constantly throughout the winter and we'd still have to replace all the radiators, install a few more or underfloor heating, add insulation to every wall and floor, and replace one front and three back doors. I can easily see it costing £75k with mind-bogglingly enormous disruption and potentially much, much more if - for example - we want to use aerogel rather than something cheap.
Like OP, I want to be green but I'm still using a 17 year old Nokia 6310 because we can't scrape together a few hundred for a smartphone. Borrowing the money at the moment is a non-starter. Once we inherit the house it will be mortgage free and we'll probably be close to retirement ourselves, so no Bank is going to have an interest in it or us. We could sell our current house once MiL shuffles off and use the equity in it to pay for the work, but that was earmarked for funding retirement.
Rationally, it would make more sense to sell it now at current valuations and let some unsuspecting fool deal with it in future.